Prepared for: {name29}
The following pages contain:
Credit Repair Service Agreement
Authorization for Credit Repair Action
Consumer Credit File Rights (CROA Disclosure)
Right Of Cancellation Notice
State Specific Disclosures (add if applicable)
Credit Repair Service Agreement for {name29}, prepared on {date}:
I, {name29}, hereby enter into the following agreement with Eminence and Wealth.
{name29} hereby agrees to perform the following:
a. To evaluate Customer's current credit reports as listed with applicable credit reporting
agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with our Company, Eminence and Wealth, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer's credit reports.
b. To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in customer's credit reports.
c. To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion. Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
In exchange, I, {name29}, agree to pay the following fees as discussed at the discrepency of the Customer and Company prior to onboarding.
Minimum Credit Monitoring Requirement
To be eligible for the Money Back Guarantee, the Client must maintain an active credit monitoring provider for the duration of this service agreement. This requirement is essential to ensure that the Client receives accurate and timely updates on their credit profile and any potential changes therein.
Consequences of Breach of Contract
Failure to maintain the credit monitoring provider active for the duration of this contract will be considered a breach of this Contract. In the event of such a breach, the following consequences will apply:
No Updates: The Client will not receive any credit-related updates, reports, or notifications from Service Provider during or after the inactive period until the credit monitoring is activated for the duration of six months consecutively.
No Refund: The Client will not be eligible for a refund or any reimbursement of fees paid for the inquiry removal services, as the maintenance of an active credit monitoring provider is vital for the effectiveness of the services.
Client's Responsibilities
The Client is responsible for ensuring their compliance with the Minimum Credit Monitoring Requirement. The Client must promptly provide the Service Provider with any necessary information and access to credit reports as requested during the course of providing the services.
No Service Guarantee: Failure to meet the Credit Monitoring Activation Requirement will render clients ineligible to receive inquiry removal services from Eminence and Wealth. Clients acknowledge and understand that our inability to provide services due to the deactivation or inactivity of their credit monitoring provider is not the responsibility of Eminence and Wealth. Consequently, clients will not be entitled to any refunds, reimbursements, or service-related compensation in such cases.
Clients are encouraged to fully comply with the Credit Monitoring Activation Requirement to ensure the effective delivery of our services and to maximize the benefits of our inquiry removal service.
By enrolling in our services, clients agree to adhere to this requirement and accept the terms and conditions outlined in this disclaimer.
This agreement will not persist for more than one hundred and eighty days.
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit
bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for up to 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission
Washington, D.C. 20580.
Your Right To Cancel
You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you. To cancel this contract, mail, email, or deliver a signed and dated cancellation notice to Eminence and Wealth, 418 Broadway, Albany, New York 12207, before midnight on the 3rd day which begins after the date you have signed this contract stating:
"I hereby cancel this Credit Repair Service Agreement, Signed (Client Signature) (Date of Signature)"
Eminence and Wealth, 418 Broadway, Albany, New York 12207